RANKING ·
Lowest cost of deposits in Florida
76 of 85 banks in Florida that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Cost of all deposits, annualized for the quarter | Total assets |
|---|---|---|---|---|
| 1 | The Warrington Bank | Pensacola, FL | 0.61% | $174 million |
| 2 | Desjardins Bank N.A. | Hallandale, FL | 0.66% | $362 million |
| 3 | Capital City Bank | Tallahassee, FL | 0.73% | $4.4 billion |
| 4 | United Southern Bank | Umatilla, FL | 0.77% | $843 million |
| 5 | Dlp Bank | Starke, FL | 0.88% | $301 million |
| 6 | Bank of Belle Glade | Belle Glade, FL | 0.90% | $160 million |
| 7 | Bank of Pensacola | Pensacola, FL | 0.90% | $147 million |
| 8 | Pnb Community Bank | Niceville, FL | 0.99% | $155 million |
| 9 | Terrabank N.A. | Coral Gables, FL | 1.03% | $898 million |
| 10 | The First National Bank of Mount Dora | Mount Dora, FL | 1.05% | $358 million |
| 11 | Helm Bank USA | Miami, FL | 1.11% | $1.2 billion |
| 12 | First Bank | Clewiston, FL | 1.12% | $811 million |
| 13 | The Bank of Tampa | Tampa, FL | 1.12% | $3.0 billion |
| 14 | Century Bank of Florida | Tampa, FL | 1.18% | $101 million |
| 15 | Edison National Bank | Fort Myers, FL | 1.27% | $454 million |
| 16 | Lafayette State Bank | Mayo, FL | 1.28% | $252 million |
| 17 | Crews Bank & Trust | Wauchula, FL | 1.39% | $2.3 billion |
| 18 | Natbank N.A. | Hollywood, FL | 1.39% | $297 million |
| 19 | Citizens Bank and Trust | Frostproof, FL | 1.42% | $1.5 billion |
| 20 | Community Bank of the South | Merritt Island, FL | 1.42% | $266 million |
| 21 | Florida Capital Bank N.A. | Jacksonville, FL | 1.48% | $713 million |
| 22 | Seacoast National Bank | Stuart, FL | 1.51% | $21.3 billion |
| 23 | Brannen Bank | Inverness, FL | 1.52% | $1.0 billion |
| 24 | Bank of Central Florida | Lakeland, FL | 1.54% | $1.2 billion |
| 25 | Paradise Bank | Boca Raton, FL | 1.56% | $415 million |
| 26 | Gulfside Bank | Sarasota, FL | 1.64% | $345 million |
| 27 | First Federal Bank | Lake City, FL | 1.65% | $4.5 billion |
| 28 | Raymond James Bank | Saint Petersburg, FL | 1.66% | $45.6 billion |
| 29 | First Colony Bank of Florida | Maitland, FL | 1.67% | $291 million |
| 30 | Madison County Community Bank | Madison, FL | 1.67% | $212 million |
| 31 | Sanibel Captiva Community Bank | Sanibel, FL | 1.73% | $976 million |
| 32 | Southstate Bank N.A. | Winter Haven, FL | 1.74% | $68.8 billion |
| 33 | Surety Bank | Deland, FL | 1.77% | $214 million |
| 34 | Commerce Bank & Trust | Winter Park, FL | 1.79% | $198 million |
| 35 | Mainstreet Community Bank of Florida | Deland, FL | 1.80% | $953 million |
| 36 | Fnbt Bank | Fort Walton Beac, FL | 1.81% | $629 million |
| 37 | First National Bank of Pasco | Dade City, FL | 1.82% | $280 million |
| 38 | Peoples Bank of Graceville | Graceville, FL | 1.83% | $116 million |
| 39 | First State Bank of the Florida Keys | Key West, FL | 1.83% | $1.2 billion |
| 40 | Bankflorida | Dade City, FL | 1.95% | $460 million |
| 41 | Banco Do Brasil Americas | Miami, FL | 1.99% | $3.5 billion |
| 42 | Banesco USA | Miami, FL | 2.00% | $6.0 billion |
| 43 | Bankunited N.A. | Miami Lakes, FL | 2.00% | $34.9 billion |
| 44 | Intracoastal Bank | Palm Coast, FL | 2.01% | $573 million |
| 45 | International Finance Bank | Miami, FL | 2.06% | $1.6 billion |
| 46 | Axiom Bank N.A. | Maitland, FL | 2.09% | $732 million |
| 47 | U.S. Century Bank | Doral, FL | 2.15% | $3.0 billion |
| 48 | Grove Bank & Trust | Miami, FL | 2.16% | $1.4 billion |
| 49 | Flagship Bank | Clearwater, FL | 2.18% | $803 million |
| 50 | Cogent Bank | Orlando, FL | 2.18% | $2.5 billion |
| 51 | Amerant Bank N.A. | Coral Gables, FL | 2.21% | $10.3 billion |
| 52 | One Florida Bank | Orlando, FL | 2.21% | $2.1 billion |
| 53 | City National Bank of Florida | Miami, FL | 2.26% | $29.1 billion |
| 54 | Ocean Bank | Miami, FL | 2.29% | $7.6 billion |
| 55 | Optimumbank | Fort Lauderdale, FL | 2.30% | $1.4 billion |
| 56 | Cypress Bank & Trust | Melbourne, FL | 2.31% | $257 million |
| 57 | Bankmiami | Coral Gables, FL | 2.40% | $318 million |
| 58 | Interamerican Bank, A Federal Savings Bank | Miami, FL | 2.41% | $356 million |
| 59 | Sunstate Bank | Miami, FL | 2.46% | $580 million |
| 60 | Sunrise Bank | Orlando, FL | 2.47% | $623 million |
| 61 | Gulf Atlantic Bank | Key West, FL | 2.59% | $253 million |
| 62 | Bayfirst National Bank | Saint Petersburg, FL | 2.63% | $1.1 billion |
| 63 | Anchor Bank | Palm Beach Garde, FL | 2.76% | $806 million |
| 64 | Locality Bank | Fort Lauderdale, FL | 2.86% | $396 million |
| 65 | Everbank N.A. | Jacksonville, FL | 3.00% | $46.7 billion |
| 66 | Pacific National Bank | Miami, FL | 3.00% | $1.6 billion |
| 67 | Emigrant Bank | Miami, FL | 3.01% | $5.7 billion |
| 68 | Central Bank | Tampa, FL | 3.03% | $387 million |
| 69 | Bradesco Bank | Coral Gables, FL | 3.21% | $6.1 billion |
| 70 | Gulf Coast Business Bank | Fort Myers, FL | 3.24% | $187 million |
| 71 | Waterfall Bank | Clearwater, FL | 3.40% | $410 million |
| 72 | Evermore Bank | Fort Lauderdale, FL | 3.58% | $317 million |
| 73 | Climate First Bank | Saint Petersburg, FL | 3.64% | $1.9 billion |
| 74 | Newtek Bank N.A. | Miami, FL | 3.64% | $2.5 billion |
| 75 | Tcm Bank N.A. | Tampa, FL | 3.74% | $382 million |
| 76 | Intercredit Bank N.A. | Miami, FL | 4.01% | $2.4 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings